About Timothy
Proudly serving clients across MD, DC, DE, FL, GA, NC, PA, SC, TN, VA, WV
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Awards
Borrower Testimonials
Tim and his colleagues were always quick to respond and did a wonderful job of answering our questions. We really appreciate all their help financing our first home!
Sherri and Kayla made this experience seamless. We could not recommend this group enough. Walked us through everything in an understanding way, made the whole thing wonderful. Nerves were calmed when they were high too for our first home buying experience. Thank you thank you AnnieMac, we will be back for future endeavors!
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Hailey from your team, made sure we had everything we needed and that if we was missing anything She reach out to let us know so there was no delay. All of your team is amazing from start to finish.
It was a process but we got through it!
Everyone on Mr Murphy's team was professional, pleasant, and truly a pleasure to work with. I interacted with several different team members throughout the process, and every single person was helpful, responsive, and always willing to assist. Not once did I feel as though I was bothering anyone with my questions, and that meant a lot to me. This p...
Everyone involved in the process was super polite and patient with us. With us being first time home buyers, we weren't sure what to expect. But they made it as easy as possible. Sincerely, thank you.
Everyone on Mr Murphy's team was professional, pleasant, and truly a pleasure to work with. I interacted with several different team members throughout the process, and every single person was helpful, responsive, and always willing to assist. Not once did I feel as though I was bothering anyone with my questions, and that meant a lot to me. This p...
Thank you for all your help.
great loan officer
I appreciate that I could see everything that was going on in the selling and purchasing process.
Everyone was incredibly helpful and made the process as smooth as possible.
Concerned personnel. Following up on your customers.
So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!!
Wonderful refinance experience!
My experience was amazing working with Tim. He was quick to respond to all of my questions and helped make my first time home buying experience go seamlessly!
Everyone was very helpful and responded to my messages very quickly.
Fantastic experience
Had an amazing experience working with the team at AnnieMac Home Mortgage. They brought a great human touch to a stressful process. The loan officers were incredibly patient, highly responsive, and walked me through every step of the mortgage process. Highly recommend them for a seamless home-buying experience!
More
- View more testimonials on Experience.com & Zillow.com
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!